Individuals

Generally when we work with individuals, we are advising on how to deal with a major credit problem or pending bankruptcy. Often an Individual Voluntary Arrangement (IVA) can be the answer for individuals or partners in a partnership, but P&A can help in a number of other ways.

Personal debt is ever growing and, coupled with the effects of the recession and difficult employment conditions, this is causing many people to struggle to manage their debts. At P&A we recognise that finding help or professional support can be difficult but, in reality, once advice has been sought the burden of addressing these issues is shared with us.

At P&A we take time to listen to our clients, understand what they wish to achieve, and then offer financial solutions to bring their finances back under control.

Personal debt is overwhelming and financial problems can affect people from all walks of life. You may be asset rich but cash poor, or have experienced an unfortunate change of circumstances. If you are worried your debt is getting out of hand and you are struggling to pay your bills every month, there is a way out and P&A can help.

No matter how bad your predicament, there is always a solution. The most important thing is to ask for help as soon as possible. The quicker you act the more options you will have.

Our experienced team will give you professional debt advice and a high quality solution to your problems. This may be negotiating with your creditors on an informal basis, or alternatively it could involve an IVA or bankruptcy. We will put you in control of your debt and back on the road to recovery.

P&A can throw you a lifeline:

We can put a stop to phone calls and threatening letters;

We can put you back in control of your debt so you can start rebuilding your life;